About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 309 posts from scratch.

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IPB 054: Free Life Insurance?

 

Sorry to disappoint you–we don’t have any free beer or life insurance. But we do have our first podcast of the new year and it’s a good one.

Something we don’t often discuss oddly enough in our podcast that discusses life insurance…the death benefit. Typically, the death benefit is a secondary and necessary component of what we’re talking about with our clients. But lately, we’ve been rethinking some of that.

Turns out that the death benefit is actually a pretty good deal and adds to the overall utility of the product as it relates to being a solution to fill multiple gaps.

Listen to find out where we’re coming from.

IPB 053: Life Insurance is so NOT complicated

 

Something we hear and/or read repeatedly is that a life insurance contract is simply too complicated for any mere mortal to understand. The complexity is just too great. How could ever understand what you’re actually buying?

We don’t disagree that if you were to sit down and ready your policy from cover to cover it would prove to be a bit confusing. However, is it any more confusing than a mutual fund prospectus? Or complete financial reports for a publicly traded company?

We think not.

If you understand the basics, have a properly designed policy and an adept agent to help you navigate it, a cash value life insurance policy will be the most simple part of your savings strategy and it’s likely to be one of the most stable.

 

Life Insurance a Potential Hedge Against Sequence of Returns Risk

Whole Life Safe MoneyLast week we discussed how sequence of returns affects wealth accumulation. It was the first time we discussed the notion of sequence of returns risk in the light of accumulation rather than spend down (i.e. when one uses assets to generate income). There was a subtle, but important point Read More…

IPB 052: Sequence of Returns Risk Is More Complicated Than You Think

approach

 

We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you are spending the money you saved to cover expenses and/or generate income).

Today we want to talk about sequence of returns in a slightly different light and note a problem it poses for all savers while they are attempting to accumulate more value in their portfolios. Read More…

BREAKING NEWS: Penn Mutual Life 2017 Dividend Announced

Insurance NewsThe Pennsylvania Mutual Life Insurance Company announced its plans to pay participating policy holders a total of $58 million in dividends for 2017. This represents an increase over last year of Read More…

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